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Home > Insurance Division > Bureau of Fraud Deterrence Enforcement Activity
2015 Bureau of Fraud Deterrence Enforcement Activity
Previous Activity: 2014 Enforcement
Please Note: P.L. 2013, c. 259 became effective on July 1, 2014.  This law amended the Administrative Procedure Act, R.S. 52:14B-1 et seq. One of the amendments requires all state agencies to post on their websites all non-confidential final agency orders, decisions and opinions. Accordingly, all such final agency orders or decisions in disciplinary actions issued subsequent to July 1, 2014 may be accessed by clicking on the link within the summaries below. Orders or decisions issued on such matters prior to July 1, 2014 are available upon request to the Bureau of Fraud Deterrence.
January > February > March > April > May
May


Executed Consent Orders

Ericka Smith, East Hanover, NJ
Order #14-51171-35, May 4, 2015
Respondent, Ericka Smith, did knowingly provide false and misleading information to Hanover Insurance Company on her automobile insurance application dated December 19, 2012 by failing to list her son, Nassir Smith, as a household resident, licensed resident or regular operator.
Civil Penalty: $1,500

Ralph Adorno, Putnam Valley, NY
Order #13-55015-25, May 4, 2015
Respondent, Ralph Adorno, submitted false and misleading statement(s) on a life/annuity insurance application to Allianz Insurance Company dated January 15, 2013.  Specifically, he stated that the application for Claire Kelmer dated September 7, 2012 was completed in Paramus, New Jersey, since this policy was not available in New York, when in fact it was completed in New York.
Civil Penalty: $5,000

Yvonna D. Wade, East Orange, NJ
Order #14-50063-35, May 4, 2015
Respondent, Yvonna D. Wade, on April 24, 2012, knowingly provided a false and misleading statement on an auto insurance policy application, as well as a renewal application dated February 8, 2013 with CURE Insurance Company, specifically, failing to list her sister, Yvette, as a licensed household driver and her aunt, Shelia Wade, as a household resident.
Civil Penalty: $1,500

Gloria Yunes, Hoboken, NJ
Order #12-51907-35, May 12, 2015
Respondent, Gloria Yunes, gave false and misleading statements to Liberty Mutual Insurance Company on January 4, 2012 when she failed to list her daughter, Jessica Salcedo, as a driver of her insured 2010 Honda Civic or as a resident in her household on her automobile insurance policy application.
Civil Penalty: $1,500

Barbara Alvarez, East Orange, NJ
Order #13-54546-35, May 4, 2015
Respondent, Barbara Alvarez, provided false and misleading information to Penn National/Founders Insurance Company on June 22, 2011 by failing to disclose her son, Eduardo Floresalvarez, as a resident on an automobile insurance policy application and on an undisclosed driver Certification.  Barbara Alvarez also failed to disclose her son as a licensed resident or regular operator when adding a 2000 Mitsubishi Galant to her policy on March 29, 2013.
Civil Penalty: $1,500

Brijette Kattoura, aka Brigette Kattoura, Guttenberg, NJ
Order #13-53039-07, May 19, 2015
Respondent, Brijette Kattoura, aka Brigette Kattoura, provided false and misleading information to Liberty Mutual Insurance Company on February 22, 2012, and to AAA Mid-Atlantic Insurance Company on March 9, 2012 by submitting Personal Injury Protection claims stating that she was an injured passenger in the policy vehicle during an automobile accident on February 3, 2012, when in fact, she was not a passenger.
Civil Penalty: $5,000

Yesenia Falcon, Newark, NJ
Order #14-51970-35, May 19, 2015
Respondent, Yesenia Falcon, knowingly provided false and misleading information to CURE Insurance Company by failing to disclose additional driver Carlos Colon on her auto policy dated September 16, 2013.
Civil Penalty: $1,500

Michele Rothmund, West Keansburg, NJ
Order #13-54861-35, May 12, 2015
Respondent, Michele Rothmund, knowingly misrepresented to Progressive Garden State Insurance Company, in violation of N.J.S.A. 17:33A-4, when she filed a claim on October 21, 2013, and she stated to a Progressive claims representative that she added her daughter, Kristina Rothmund, and a 2011 Nissan Versa, to her auto policy on the morning of October 17, 2013, when, in fact, Michele Rothmund added her daughter and the vehicle to the policy at 2:21 p.m. on October 17, 2013, after her daughter had been involved in a motor vehicle accident in the 2011 Nissan Versa at 2:10 p.m. on October 17, 2013.
Civil Penalty: $3,000

Ivan L. Ferreira, Freehold, NJ
Order #14-53742-35, May 12, 2015
Respondent, Ivan L. Ferreira, knowingly made material misrepresentations to Plymouth Rock Insurance Company by failing to disclose the true garaging location and regular operator of an insured 1997 Honda Accord when he added it to his automobile insurance policy on April 18, 2013.
Civil Penalty: $1,500

James Chen, Dayton, NJ
Order #10-23569-35, May 4, 2015
Respondent, James Chen, knowingly failed to disclose a statement of material fact to GEICO Insurance Company on February 17, 2010 pursuant to his 2001 Ford Windstar and on September 2, 2009 pursuant to his 1993 Mazda 626.
Civil Penalty: $10,000

Julio Juarez, North Brunswick, NJ
Order #14-52493-35, May 4, 2015
Respondent, Julio Juarez, knowingly provided false and misleading information to IFA Insurance Company on his January 11, 2013 application for auto insurance, by failing to disclose his daughter, Hellen Juarez, as a household member and/or operator of the insured vehicles.
Civil Penalty: $1,500

Freddy Olivo, Somerset, NJ
Order #14-53173-35, May 4, 2015
Respondent, Freddy Olivo, knowingly provided false and misleading information to Drive New Jersey Insurance Company by failing to disclose his daughter, Jennifer Olivo, on his auto policy dated January 16, 2014.
Civil Penalty: $1,500

Deyma Compton, New Brunswick, NJ
Order #14-52371-35, May 4, 2015
Respondent, Deyma Compton, knowingly provided false and misleading information to Drive New Jersey Insurance Company on her May 10, 2012 application for auto insurance, by failing to disclose her son, Santos A. Mendoza-Vasquez, as a household member and/or operator of the insured vehicles.
Civil Penalty: $1,500

Keturah Pasos-Rosato, Whiting, NJ
Order #14-53469-35, May 4, 2015
Respondent, Keturah Pasos-Rosato, failed to disclose to CURE Insurance Company on her auto policy application dated August 13, 2014 that the primary operator of her 2008 Chevrolet Malibu was Sekoyu Sidike who was garaging the vehicle at 429 West Chelton Avenue, Apartment 106, Philadelphia, PA, and submitted false and misleading statements on her CURE Insurance Company auto policy dated August 13, 2014.  Specifically, Keturah Pasos-Rosato failed to disclose Sekoyu Sidike, Lorraine Kennedy and Joshua Kennedy lived at her residence and possessed valid driver's licenses.
Civil Penalty: $1,500

Chandra Solberry, Jackson, NJ
Order #14-53506-35, May 12, 2015
Respondent, Chandra Solberry, did provide a materially false statement to GEICO Insurance Company on February 2, 2013 in obtaining automobile insurance by failing to disclose that Shadiyah Green was a resident in her household and a customary driver of the policy vehicle.
Civil Penalty: $1,500

Vehonice Gross, Vineland, NJ
Order #14-52715-35, May 12, 2015
Respondent, Vehonice Gross, did provide a materially false statement to IFA Insurance Company on February 14, 2014 in obtaining automobile insurance by knowingly failing to disclose that her daughter, Chinnise K. Gross, was a resident in her household and had a suspended New Jersey driver's license.
Civil Penalty: $1,500

Tanya Sessons, Florence, NJ
Order #14-50624-04, May 12, 2015
Respondent, Tanya Sessons, did knowingly provide false statements to Progressive Garden State Insurance Company by claiming that damages to her 2004 Dodge Durango had occurred on February 24, 2014 at 12:00 noon, when in fact, the damage had occurred on February 24, 2014 at 7:50 a.m. which was prior to the addition of collision coverage.
Civil Penalty: $2,500

Doreen E. Lettieri, Brick, NJ
Order #14-54159-35, May 12, 2015
Respondent, Doreen E. Lettieri, did provide a materially false statement to CURE Auto Insurance Company in obtaining personal automobile insurance by knowingly failing to disclose that her daughter, Misty Lettieri, her daughter's boyfriend, Kristopher Twaddle, and their three children resided in the household on her application dated July 2, 2012 and her renewal questionnaires dated April 6, 2013 and April 8, 2014.
Civil Penalty: $1,500

Kayla T. Jenkins, Toms River, NJ
Order #14-52720-35, May 19, 2015
Respondent, Kayla T. Jenkins, did knowingly provide materially false and misleading information to CURE Insurance Company by failing to disclose that the car was being used for business purposes on her renewal questionnaire dated December 16, 2013.
Civil Penalty: $1,500

Juana Sanchez, Paterson, NJ
Order #14-50785-35, May 19, 2015
Respondent, Juana Sanchez, knowingly submitted false and misleading information to Allstate Insurance Company during the policy period of October 30, 2013 through April 30, 2014 relating to her automobile insurance by stating that no other licensed drivers resided in her household, when in fact there are several household residents.
Civil Penalty: $1,500

Arina Slinin, Manalapan, NJ
Order #12-50749-03, May 28, 2015
Respondent, Arina Slinin, did knowingly make false statements to Liberty Mutual Insurance Company concerning the theft and arson of his policy vehicle which was reported stolen on May 10, 2011.
Civil Penalty: $2,500

Alexander Slinin, Manalapan, NJ
Order #12-50749-03, May 28, 2015
Respondent, Alexander Slinin, did knowingly make false statements to Liberty Mutual Insurance Company concerning the theft and arson of his policy vehicle which was reported stolen on May 10, 2011.
Civil Penalty: $2,500

Vantroy Osorio, Aguas Buenas, PR
Order #12-51194-35, May 28, 2015
Respondent, Vantroy Osorio, on March 2, 2011, knowingly submitted false and misleading information when he failed to disclose his daughter, Varinoshka Osorio, as a licensed resident of his household on an IFA Insurance Company underwriting questionnaire.  Additionally, on March 31, 2010 and June 29, 2010, Mr. Osorio signed and submitted IFA Insurance Company forms and failed to disclose his daughter, Varinoshka, as a licensed household resident.
Civil Penalty: $1,500

Charade Collier, Clifton, NJ
Order #14-53163-35, May 28, 2015
Respondent, Charade Collier, made false and misleading statement(s) on several policy renewal questionnaires to CURE Insurance Company between 2011 through 2014.  Specifically, Ms. Collier stated that there were no additional drivers, when in fact, Alvin Phillips was an undisclosed household resident.
Civil Penalty: $1,500

Farhan Memon, Springfield, NJ
Order #13-50710-04, May 28, 2015
Respondent, Farhan Memon, filed a claim with Progressive Insurance Company on July 7, 2014, for pre-existing damage to his 2007 Mercury Mariner, knowing that the same claim had been previously submitted to Allstate Insurance Company.
Civil Penalty: $2,500

Kathleen Higgins, Oak Ridge, NJ
Order #13-54448-35, May 28, 2015
Respondent, Kathleen Higgins, provided false and misleading information to New Jersey Manufacturers Insurance Company on two automobile renewal questionnaires, dated August 16, 2009 and August 31, 2010, by failing to list George J. Rogers as a licensed household member with suspended driving privileges.
Civil Penalty: $1,500

Omar Rosario, Garfield, NJ
Order #14-53870-35, May 28, 2015
Respondent, Omar Rosario, knowingly submitted false and misleading statement(s) on an automobile policy application dated August 25, 2010 and several policy renewal questionnaires to CURE Insurance Company from 2011 through 2014.  Specifically, Omar Rosario stated that he was the only household member and operator, when in fact, Marcela Diaz, was also a resident and operator.
Civil Penalty: $1,500

Joao R. Luiz, Newark, NJ
Order #14-53742-35, May 28, 2015
Respondent, Joao R. Luiz, knowingly conspired with Katia Abreu and Ivan L. Ferreira to make material misrepresentations to Plymouth Rock Insurance Company regarding the garaging location and regular operator of his 2006 Hyundai Sonata and 1997 Honda Accord for the purpose of obtaining automobile insurance coverage for which they were not entitled.
Civil Penalty: $1,500

 
April


Executed Consent Orders

Maria Carreira, Harrison, NJ
Order # 12-52018-03, April 23, 2015
Respondent, Maria Carreira, knowingly provided false and misleading information to Progressive Insurance Company in pursuance of an auto theft claim on May 9, 2012. Specifically, Ms. Carreira reported that the 2006 Infinity policy vehicle was stolen on May 9, 2012, in Newark, NJ, when in fact the vehicle was stolen on April 15, 2012, as a result of a carjacking, which is before the policy reinstatement date of April 30, 2012.
Civil Penalty: $3,000

Clarence Corbin, Bloomfield, NJ
Order #14-50996-03, April 9, 2015
Respondent, Clarence Corbin, knowingly submitted a fraudulent insurance claim to State Farm Mutual Insurance Company dated December 1, 2005, stating that his 2002 Suzuki Motorcycle had been stolen on October 21, 2005, when in fact it wasn't.
Civil Penalty: $5,000

Dinorah Dijols, Manalapan, NJ
Order #14-53144-35, April 23, 2015
Respondent, Dinorah Dijols, knowingly failed to disclose her licensed resident son, Jason Dijols, on her March 24, 2012 CURE Insurance Company auto policy application.
Civil Penalty: $1,500

William Whelan, Parlin, NJ
Order #14-52423-35, April 9, 2015
Respondent, William Whelan, on May 26, 2012, obtained a policy with CURE Insurance Company. During the application process he misrepresented his true residency and failed to disclose that Kayla Ritcher would be a customary/usual operator of one of the policy insured vehicles, a 2014 Hyundai.
Civil Penalty: $1,500

Nhi Pham, Piscataway, NJ
Order #14-50351-35, April 2, 2015
Respondent, Nhi Pham, knowingly failed to disclose that she was, in fact, married and that her spouse, Nhuan Nguyen, who had a suspended license, resided at the policy address on her October 10, 2013 application for insurance with Plymouth Rock Assurance Company.
Civil Penalty: $1,500

Yvez Arthus, Hamilton, NJ
Order #14-52095-35, April 1, 2015
Respondent, Yves Arthus, did provide false and misleading information on an automobile insurance policy dated September 9, 2011, and an undisclosed driver certification dated April 1, 2014, to IFA Insurance Company. Respondent failed to disclose additional drivers, Louis Jacques and Micaela Arthus, on the policy application.
Civil Penalty: $1,500

Daniella M. Robinson, Sayreville, NJ
Order #14-53423-35, April 15, 2015
Respondent, Daniella M. Robinson, did knowingly provide material false information on an initial application for automobile insurance with CURE Auto Insurance Company on September 19, 2013, and a renewal questionnaire dated June 27, 2014, by failing to disclose her son, Kenneth Robinson, as a household resident and licensed driver.
Civil Penalty: $1,500

Jay Santiago, Egg Harbor Township, NJ
Order #14-51913-35, April 9, 2015
Respondent, Jay Santiago, conspired with Neola Phillips-Greene in that he knowingly had possession of an insured risk, was a non-resident operator, garaged the same at his residence, and was not listed as a driver on Neola Phillips-Greene's policy with CURE Auto Insurance Company dated December 20, 2013.
Civil Penalty: $1,500

Humble Beginnings, LLC and Joseph Lubowitz, Cherry Hill, NJ
Order #14-52912-24, April 1, 2015
Respondent, Humble Beginnings, LLC and Joseph Lubowitz, jointly and severally, caused claims to be submitted to Aetna Insurance Company for dates of service between March 12, 2014 and June 23, 2014, during which time the business was not licensed by the State of New Jersey to perform the services that were billed.
Civil Penalty: $77,000

Jessica Mell, Mount Laurel, NJ
Order #14-50460-35, April 1, 2015
Respondent, Jessica Mell, knowingly presented a claim to Progressive Insurance Company stating that she was involved in an accident on January 29, 2014, after her policy became effective at 10:00 a.m. eastern, when in fact, the accident happened at 9:14 a.m. eastern, before the policy was in effect.
Civil Penalty: $2,500

Robert A. Marchinek, DDS, Marlton, NJ 
Order #12-54389-44, April 20, 2015
Respondent, Robert A. Marchinek, DDS, may have made a misrepresentation to Delta Dental of New Jersey by failing to disclose his dental license was suspended from December 1, 2009 to May 4, 2010.
Civil Penalty: $3,500

Edison F. Guamba-Betanc, North Plainfield, NJ
Order #14-52964-35, April 29, 2015
Respondent, Edison F. Guamba-Betanc, did knowingly provide false and misleading information to Progressive Garden State Insurance Company by not disclosing Jonathan Guamba as a driver of his insured vehicle on the policy application dated March 6, 2013.
Civil Penalty: $1,500

Bruce Lieberman, Florham Park, NJ
Order #14-52375-35, April 29, 2015
Respondent, Bruce Lieberman, knowingly submitted false and misleading statement(s) to GEICO Insurance Company on an automobile insurance application dated May 30, 2014. Specifically, Mr. Lieberman insured 10 (ten) vehicles and disclosed only three drivers, when in fact, there were several other unlisted drivers. He also failed to disclose that many of the vehicles were used for business and garaged at various undisclosed locations.
Civil Penalty: $3,000

 
March


Executed Consent Orders

Evadne G. Slaughter, Leonia, NJ
Order # 12-52158-23, March 9, 2015
Respondent, Evadne G. Slaughter, gave false and misleading information to Progressive Garden State Insurance Company on a statement of no loss, while calling to reinstate her policy on May 16, 2012 at 12:58 PM. Specifically, knowing that she had an accident that day at 10 AM.
Civil Penalty: $1,500

Madison O. Brown, Staten Island, NY
Order #13-54451-35, March 9, 2015
Respondent, Madison O. Brown, conspired with his mother, Yvonne N. Brown, to give false and misleading information to New Jersey Manufacturers Insurance Company on several automobile insurance renewal questionnaires dated between November 12, 2003 and December 31, 2012.  Specifically, Yvonne N. Brown stated that as many as eight (8) vehicles were all registered and garaged at her policy address when in fact, many of these vehicles were garaged at her son, Madison O. Brown's address: 16 A Natalis Court, Staten Island, New York, and were used for commercial purposes.
Civil Penalty: $1,500

Pia U. Kallner, Jackson, NJ
Order #13-53166-35, March 9, 2015
Respondent, Pia U. Kallner, on January 12, 2013, conspired with Daphne Perez to conceal from GEICO Insurance Company that she and Angelo Perez were co-owners and regular operators of a 2008 Mercedes Benz and a 2008 Land Rover and failed to disclose the true garaging address of the 2008 Mercedes Benz and 2008 Land Rover.
Civil Penalty: $1,500

Attia Darwish, Wharton, NJ
Order #14-52280-35, March 9, 2015
Respondent, Attia Darwish, knowingly failed to disclose that he was married to Monsoura Darwish on his Plymouth Rock Insurance Company auto application dated February 14, 2014.  Mrs. Monsoura Darwish was involved in an automobile accident on March 29, 2014 while driving the policy vehicle.
Civil Penalty: $1,500

Engjell Bejko, Tenafly, NJ
Order #13-54310-35, March 9, 2015
Respondent, Engjell Bejko, on December 14, 2012, knowingly provided a false and misleading statement on an auto insurance application with CURE Insurance Company, specifically, failing to list his son, Renis Bejko, as a household resident driver.
Civil Penalty: $1,500

Karen Zapata, Bloomfield, NJ
Order #14-52540-35, March 20, 2015
Respondent, Karen Zapata, on January 16, 2013, knowingly provided a false and misleading statement on an auto insurance application with IFA Insurance Company, specifically, failing to list her sister, Stephanie Zapata, as a licensed household driver of one of her vehicles.
Civil Penalty: $1,500

Yvonne D. Jones, Prospect Park, NJ
Order #13-54431-35, March 20, 2015
Respondent, Yvonne D. Jones, knowingly provided false and misleading statements on her Plymouth Rock Assurance policy dated June 26, 2012, specifically, by failing to disclose her husband, Leonard Williams, as a resident driver and a household member.
Civil Penalty: $1,500

William D. Bierwas, Ringwood, NJ
Order #12-50094-41, March 20, 2015
Respondent, William D. Bierwas, provided false and misleading information to UNUM Insurance Company on a disability status update form dated May 10, 2011 by stating that he had not returned to work and had not worked anywhere, when in fact he was working for a pest control company while receiving disability benefits.
Civil Penalty: $3,500

Scott Rolfe, Philadelphia, PA
Order #13-54017-04, March 4, 2015
Respondent, Scott Rolfe, did knowingly fail to disclose material information to USAA Insurance Company regarding his claim. Respondent reported that on July 12, 2013, his vehicle was struck while parked in the parking lot of the Holiday Inn in Bensalem, Pa., when in fact, the respondent had struck a concrete barrier in Philadelphia.
Civil Penalty: $3,500

Shamar D. Conover, Long Branch, NJ
Order #14-51335-35, March 4, 2015
Respondent, Shamar Conover, did knowingly misrepresent material information on his CURE Auto Insurance Company application dated February 10, 2014, for failure to disclose his two step-sisters, Kenneshia L. Barrow and Ieisha M. Barrow, as household members with suspended driver's licenses.
Civil Penalty: $1,500

Jose E. Torres, Willingboro, NJ
Order #14-52112-35, March 20, 2015
Respondent, Jose E. Torres, did provide a materially false written statement on his CURE Auto Insurance Company renewal application questionnaire dated August 15, 2013 by knowingly failing to disclose, Karola Lugo, as a resident in his household and an operator of the insured vehicles.
Civil Penalty: $1,500

Jessica Kligerman, Southampton, NJ
Order #13-52854-04, March 25, 2015
Respondent, Jessica Kligerman, did knowingly provide materially false information on a statement of no loss to Progressive Insurance Company on May 18, 2013, at 3:10 PM by indicating that she did not have a loss during the policy lapse period, when in fact, her insured 1995 Mercury Tracer, driven by Joshua Thomas, was involved in a crash on May 18, 2013 at 11:53 AM. This misrepresentation resulted in a third party claim.
Civil Penalty: $1,500

Steven A. Sandella, Brick, NJ
Order #13-52450-35, March 25, 2015
Respondent, Steven A. Sandella, did knowingly make a material misrepresentation to Personal Service Insurance Company on January 21, 2013 at 4:52:19 PM by giving a false statement of no loss. Additionally, this misrepresentation resulted in a claim by a third party.
Civil Penalty: $2,500

John F. Zacchi, Madeira Beach, FL
Order #13-50071-22, March 25, 2015
Respondent, John F. Zacchi, did knowingly provide material false information to Prudential Life Insurance Company during a recorded phone call on April 24, 2012, filed a false Prudential Group Life Insurance Benefits Statement on May 25, 2012, and then received a $61,000 benefit he was not entitled to receive.
Civil Penalty: $5,000

Carl P. Catino, Pennsauken, NJ
Order #12-53184-45, March 4, 2015
Respondent, Carl P. Catino, knowingly presented or caused to be presented, invoices and signed receipts for caregiver services by Brenda J. Krauss and Dorothy H. Dolan between July 2010 and August 2012 that were not rendered, for which he received $59,592.21 reimbursement under a long term care insurance policy with Genworth Financial.
Civil Penalty: $70,000

Tariq Issa, Garfield, NJ
Order #12-53788-03, March 31, 2015
Respondent, Tariq Issa, provided false and misleading information to Progressive Insurance Company between August 7, 2012 and August 10, 2012 in support of an automobile theft claim. Specifically, Mr. Issa added comprehensive coverage to his automobile policy insuring a 1998 Honda after the vehicle had been stolen and provided false information about the time of the theft.
Civil Penalty: $5,000

Abdul W. Adjei, East Orange, NJ
Order #14-51962-35, March 31, 2015
Respondent, Abdul W. Adjei, on October 21, 2013, knowingly provided a false and misleading statement on an auto insurance application with CURE Insurance Company, specifically, failing to list his wife, Thelma Odoi, and his daughters, Irene and Harriet Odoi, as licensed household resident drivers.
Civil Penalty: $1,500

Jayson Shambee, Palisades Park, NJ
Order #14-50121-04, March 31, 2015
Respondent, Jayson Shambee, knowingly and intentionally provided false and misleading information to Progressive Garden State Insurance Company by submitting a claim for damage to his 2005 Toyota Avalon, by stating that the loss occurred on December 10, 2013, when in fact the accident occurred prior to the inception of his auto policy on December 6, 2013.
Civil Penalty: $3,000

Giovanni Lovorato, Rahway, NJ
Order #13-51091-35, March 31, 2015
Respondent, Giovanni Lovorato, failed to disclose Giuseppe Lovorato as a licensed resident or operator of his vehicles on New Jersey Manufacturers Insurance Company renewal questionnaires dated July 21, 2008 and July 29, 2009.
Civil Penalty: $1,500

Mercy Babu, Bergenfield, NJ
Order #14-51906-35, March 31, 2015
Respondent, Mercy Babu, knowingly submitted false and misleading information to New Jersey Manufacturers Insurance Company on her automobile application dated June 2, 2011. Mercy Babu failed to list her two children, Nimisha Babu and Nithin Babu, as resident licensed drivers.
Civil Penalty: $1,500

Jonathan Ortiz, Union, NJ
Order #14-52072-04, March 31, 2015
Respondent, Jonathan Ortiz, knowingly provided false and misleading information to USAA Insurance Company material to an April 18, 2014 date of loss.  Specifically, respondent submitted a claim that included previous damage from a prior incident and/or accident.
Civil Penalty: $1,500

Nora Antwi-Adjei, Union, NJ
Order #14-52532-35, March 31, 2015
Respondent, Nora Antwi-Adjei, obtained a policy with IFA Insurance Company on September 18, 2011.  On October 4, 2011 and October 15, 2012, Nora Antwi-Adjei signed an undisclosed driver certification indicating no other household residents in her home.  On February 28, 2014 an accident occurred while the insured vehicle, a 2003 Honda Accord, was being operated by William Gbloyah, who was not disclosed on the policy as a household resident/driver. Therefore, Nora Antwi-Adjei misrepresented information to IFA Insurance resulting in a premium savings of $489 in violation of the New Jersey Insurance Fraud Prevention Act.
Civil Penalty: $1,500

Cheryl Tilton, Brick, NJ
Order #14-52169-35, March 31, 2015
Respondent, Cheryl Tilton, knowingly provided false and misleading information to IFA Insurance Company by failing to disclose additional driver, Brittany Ochat, on her auto policy dated January 28, 2014.
Civil Penalty: $1,500

Jackie Loncosky, Trenton, NJ
Order #14-53020-35, March 31, 2015
Respondent, Jackie Loncosky, did knowingly provide a materially false statement to New Jersey Manufacturers Insurance Company on December 29, 2013, by failing to disclose that Lisa Loncosky was the primary driver of the 2001 Nissan Pathfinder listed on that policy and that the automobile was garaged at a location other than the policy address of 12 Assunpink Blvd., Trenton, NJ 08619.
Civil Penalty: $1,500

Sterling Bailey, Camden, NJ
Order #12-50730-03, March 31, 2015
Respondent, Sterling Bailey, did provide materially false information to GEICO Insurance Company in support of an automobile theft claim.  Specifically, respondent claimed his vehicle was stolen on November 5, 2011, when in fact, he knew it was not.
Civil Penalty: $5,000

Michele Heimlich, Haddonfield, NJ
Order #14-51961-35, March 27, 2015
Respondent, Michele Heimlich, did provide a materially false written statement to CURE Auto Insurance Company in obtaining an automobile insurance policy dated October 3, 2013, by knowingly failing to disclose that her daughter, Heather Heimlich, was a regular operator of the vehicle.
Civil Penalty: $1,500

James R. Pantaleano, Cannonsburg, PA
Order #14-51889-33, March 27, 2015
Respondent, James R. Pantaleano, knowingly returned to work as a sulky driver in Ohio on February 8, 2014, while still collecting workers compensation temporary disability benefits in New Jersey, to which he was not entitled.
Civil Penalty: $1,500

Ana M. Farrell, Newark, NJ
Order #13-53126-35, March 17, 2015
Respondent, Ana M. Farrell, made written statements intended to be presented to Cure Auto Insurance Company for the purpose of obtaining an insurance policy, knowing that the statements contained false and misleading information concerning things material to an insurance application.
Civil Penalty: $1,500

 
February


Executed Consent Orders

Luis Sagastume, West Orange, NJ
Order #14-50864-04, February 6, 2015
Respondent, Luis Sagastume, gave false and misleading information to Liberty Mutual Insurance Company in a recorded statement on January 31, 2014 by reporting that his 2005 Toyota Sequoia was damaged while parked on January 24, 2014, when in fact, he struck a pole while operating the vehicle.
Civil Penalty: $1,500

Angelo Perez, Jackson, NJ
Order #13-53166-35, February 17, 2015
Respondent, Angelo Perez, on January 12, 2013, conspired with Daphne Perez to conceal from GEICO Insurance Company that he and Pia Kallner were co-owners and regular operators of a 2008 Mercedes Benz and a 2008 Land Rover and failed to disclose the true garaging location of the 2008 Mercedes Benz and 2008 Land Rover.
Civil Penalty: $1,500

John Schaub, Butler, NJ
Order #11-22771-33, February 6, 2015
Respondent, John Schaub, submitted an application for workers compensation benefits to Peerless Insurance Company on February 19, 2011 claiming he was not able to work due to injuries received on the job.  Mr. Schaub did perform manual labor for a contractor on May 23, 2011 and May 24, 2011 and was paid by the contractor while he was receiving workers compensation benefits.
Civil Penalty: $1,500

Maher Soliman, Wood-Ridge, NJ
Order #13-50001-26, February 17, 2015
Respondent, Maher M. Soliman, knowingly provided false information to Progressive Insurance Company by submitting an altered towing bill from the original amount of $565.30 to $2,565.30.
Civil Penalty: $2,500

Fredys Hernandez, Paterson, NJ
Order #14-50259-35, February 6, 2015
Respondent, Fredys Hernandez, knowingly and intentionally did on April 27, 2013, provide false and misleading information to New Jersey Manufacturers Insurance Company on his automobile insurance renewal questionnaire by failing to disclose his son as a licensed resident or driver of his 2009 Toyota Camry.
Civil Penalty: $1,500

Evelyn Brown-Wiles, Newark, NJ
Order #13-53993-35, February 17, 2015
Respondent, Evelyn Brown Wiles, on July 1 2011, failed to disclose Carl Brown as a household resident or a licensed household resident for automobile insurance with Farmers 21st Century Centennial Insurance Company.
Civil Penalty: $1,500

Thomas Moschella, West Caldwell, NJ
Order #13-53608-35, February 26, 2015
Respondent, Thomas Moschella, did knowingly provide false and misleading information to New Jersey Manufacturers Insurance Company on his automobile insurance renewal questionnaires dated March 28, 2012 and May 2, 2013 by failing to list Kathryn Russo, a licensed household resident.
Civil Penalty: $1,500

Yvonne N. Brown, Montclair, NJ
Order #13-54451-35, February 18, 2015
Respondent, Yvonne N. Brown, gave false and misleading information to New Jersey Manufacturers Insurance Company on several automobile insurance renewal questionnaires dated between November 12, 2003 and December 31, 2012.  Specifically, she stated that as many as eight (8) vehicles were registered and garaged at her policy address, when in fact many of these vehicles were garaged at her son, Madison Brown's address: 16 Natalis Court, Staten Island, New York, and were used for commercial purposes.
Civil Penalty: $1,500

Iris Booker-Reaves, Jersey City, NJ
Order #13-54203-35, February 26, 2015
Respondent, Iris Booker-Reaves, on August 2, 2013, knowingly provided a false and misleading statement on an auto insurance application with CURE Insurance Company, specifically, failing to list her son, Jamal Booker, as a household resident driver of her vehicle.
Civil Penalty: $1,500

Naadirah Harris, Jersey City, NJ
Order #13-53919-03, February 26, 2015
Respondent, Naadirah Harris, did knowingly provide false and misleading information to GEICO Insurance Company on August 28, 2013, by submitting an affidavit of theft and a police report in support of an automobile theft claim stating that she last observed her 2009 Honda Civic on August 25, 2013 at 6 p.m. while it was parked at 101 Randolph Street, Jersey City, New Jersey, when in fact the vehicle was last seen when Naadirah Harris parked the vehicle in front of her residence on August 24, 2013.
Civil Penalty: $3,000

Melvina W. Weems, Scotch Plains, NJ
Order #14-51071-03, February 26, 2015
Respondent, Melvina W. Weems, knowingly provided false and misleading information on February 21, 2013 to the Progressive Insurance Company by failing to disclose Reggie Walker as the primary driver of the insured vehicle when adding the 2003 Cadillac Escalade (vehicle) to the policy.  And also, respondent failed to disclose to the Progressive Insurance Company that the 2003 Cadillac Escalade would be garaged and operated by Reggie Walker from a location other than the policy address.
Civil Penalty: $1,500

Reginald Walker, Newark, NJ
Order #14-51071-03, February 16, 2015
Respondent, Reginald Walker, knowingly conspired with Melvina Weems to give false and misleading information on February 13, 2013 to the Progressive Insurance Company by not disclosing the respondent as the primary driver of the insured vehicle when adding the 2003 Cadillac Escalade (vehicle) to the policy.  And also, the respondent conspired with Melvina Weems, by failing to disclose to the Progressive Insurance Company that the vehicle would be garaged and operated by the respondent from a location other than the policy address.
Civil Penalty: $1,500

Christina L. Parker, Galloway, NJ
Order #14-52492-35, February 26, 2015
Respondent, Christina L. Parker, submitted false and misleading statements and documents to the IFA Insurance Company regarding her mother's, Beth Parker, auto policy.  Specifically, Christina Parker submitted a copy of a New Jersey Registration for her sister-in-law's, Heather Parker, 2000 Dodge that contained an altered and fictitious address in an attempt to hide that she was a licensed driver and resident of the household and when adding a 1994 Buick to her mother's IFA auto policy, she failed to disclose her daughter-in-law, Heather Parker, had a valid New Jersey driver's license and resided at her residence.
Civil Penalty: $1,500

Lillian Alvarez-Abad, Staten Island, NY
Order #14-51932-31, February 26, 2015
Respondent, Lillian Alvarez-Abad, failed to disclose to the Plymouth Rock Assurance Company (formerly the High Point Insurance Company) that she and her family moved in March 2011, from 8 Amy Court, Old Bridge, New Jersey to 650 Correll Avenue, Staten Island, New York.
Civil Penalty: $1,500

Tanya Aristizabal, Elizabeth, NJ
Order #14-50710-35, February 23, 2015
Respondent, Tanya Aristizabal, when applying for coverage with Selective Insurance Company on July 30, 2012, knowingly failed to disclose that Luis C. Julio, birth date November 14, 1989, would be a regular and licensed policy household resident/operator regarding the covered 2003 Mitsubishi, and when applying for coverage with Selective Insurance Company on July 30, 2012, she knowingly failed to disclose that Julio C. Julio was a licensed policy household resident, and when applying for coverage with Selective Insurance Company on July 30, 2012, she knowingly failed to disclose that Luis C. Julio, birth date of January 31, 1964, was a policy household resident with suspended driving privileges, and when completing the carrier's underwriting department's PIP Premium Discount Letter, she signed on June 19, 2013, knowingly failed to disclose that Luis C. Julio, birth date of January 31, 1964, Luis C. Julio, birth date of November 14, 1989 and Julio C. Julio were licensed residents of the policy household.
Civil Penalty: $2,500

Michael D. Horn, Jr., Haddon Township, NJ
Order #13-54130-12, February 26, 2015
Respondent, Michael D. Horn, Jr., knowingly made material misrepresentations regarding his July 24, 2013 renter’s insurance theft claim with Garrison Property & Casualty/USAA Insurance Company.  The subject claimed his digital camera was stolen, when in fact, it belonged to his girlfriend.
Civil Penalty: $500

Ashley M. Smith, Mays Landing, NJ
Order #12-50611-03, February 26, 2015
Respondent, Ashley M. Smith, knowingly provided false and misleading information to State Farm Insurance Company specifically, by stating her rental car was stolen in Atlantic City on August 21, 2011 when in fact, the car was not stolen.
Civil Penalty: $3,500

April Robinson, Glassboro, NJ
Order #14-52185-35, February 26, 2015
Respondent, April Robinson, knowingly supplied material false information on an application for automobile insurance to CURE Auto Insurance Company on January 7, 2013, by acknowledging that she was the owner of the insured 2001 Volkswagen Jetta, when in fact, the vehicle was titled and registered to her sister, Patricia Jasper, and her father, Robert Robinson.
Civil Penalty: $1,500

Daphne Perez, Minotola, NJ
Order #13-53166-35, February 17, 2015
Respondent, Daphne Perez, on January 12, 2013, failed to disclose to GEICO that Angelo Perez and Pia Kallner were co-owners and regular operators of a 2008 Mercedes Benz and a 2008 Land Rover.  Daphne Perez also failed to disclose the true garaging location of a 1994 Ford when adding the vehicle to her policy on March 25, 2013.
Civil Penalty: $1,500

 
January


Executed Consent Orders

Vicente Quevedo Jr., Paterson, NJ
Order # 12-53247-03, January 15, 2015
Respondent, Vicente Quevedo Jr., knowingly submitted fraudulent statements to Esurance Insurance Company while pursuing an auto theft claim dated June 2, 2012. Specifically, Mr. Quevedo stated that his vehicle was stolen, when in fact the vehicle was never stolen, but Mr. Quevedo was involved in an auto accident.
Civil Penalty: $3,500

Eung Sang Lee, Harrington Park, NJ
Order #14-50200-02, January 15, 2015
Respondent, Eung Sang Lee, knowingly submitted claims on behalf of five (5) Plymouth Rock Insurance members: James Lim, Joseph Byung Jin Kang, Jin Soo Choi, Harold Lee and Eun Lee, for ultrasound using CPT Code G0283 between 2012 and 2013, indicating that he had performed the services, when in fact they were performed by unlicensed personnel.
Civil Penalty: $4,000

Diogenes Sanchez, Paterson, NJ
Order #13-53350-07, January 21, 2015
Respondent, Diogenes Sanchez, knowingly provided false and misleading information to New Jersey Property Liability Insurance Guaranty Association in pursuance of a PIP claim for injuries he sustained from being struck by a vehicle on July 16, 2012. Specifically, Mr. Sanchez provided a false name and false pedigree information on all submitted PIP claim documents.
Civil Penalty: $5,000

Fanny Hincapie, Rutherford, NJ
Order #13-54893-35, January 21, 2015
Respondent, Fanny Hincapie, knowingly submitted false and misleading information to Metropolitan Property and Casualty Insurance Company on her automobile insurance policy application dated June 12, 2012. Ms. Hincapie failed to disclose her daughter, Alexandra M. Corales, as a regular operator of the insured's 2010 Honda Pilot. Ms. Hincapie also failed to disclose that the policy vehicle was not being garaged at the policy address.
Civil Penalty: $1,500

Tamika J. Jackson, Rahway, NJ
Order #12-53875-04, January 15, 2015
Respondent, Tamika J. Jackson, knowingly provided false and misleading information to Progressive Garden State Insurance Company on September 12, 2012, by reporting that she was involved in a motor vehicle crash on September 7, 2012 at 4:43 p.m., after the inception of her automobile insurance policy on September 7, 2012 at 7:18 a.m., when in fact, the crash occurred on September 7, 2012 at 3:43 a.m.
Civil Penalty: $2,500

Dong Hoon Seok/King’s Auto Body, Palisades Park, NJ
Order #13-51930-26, January 8, 2015
Respondent, Dong Hoon Seok/King's Auto Body, LLC, on or about January 16, 2013, submitted a fabricated towing bill for an inflated amount to the Allstate Insurance Company in support of an automobile property damage claim made by the insured, Keum Muhn.
Civil Penalty: $2,500

Franclin Estrada, Fairview, NJ
Order #12-53513-35, January 8, 2015
Respondent, Franclin Estrada, conspired with Erwin Garcia to conceal that Franclin Estrada was the true owner and regular operator of a 1999 Volkswagen Passat on an automobile insurance application that was submitted to Selective Insurance Company on December 29, 2009.
Civil Penalty: $1,500

Erwin Garcia, North Bergen, NJ
Order #12-53513-35, January 8, 2015
Respondent, Erwin Garcia, failed to disclose Franclin Estrada as the owner and regular operator of a 1999 Volkswagen Passat on an automobile insurance application that was submitted to Selective Insurance Company on December 29, 2009.
Civil Penalty: $1,500

Joseph Rambhajan, Jr., Parlin, NJ
Order #13-55044-34, January 21, 2015
Respondent, Joseph Rambhajan, Jr., neither admits nor denies failing to disclose a prior medical condition on his application for a Disability Income Protector Policy with Combined Insurance Company of America dated August 15, 2013.
Civil Penalty: $1,500

Marie Cesar, Hillside, NJ
Order #14-52457-35, January 21, 2015
Respondent, Marie Cesar, knowingly provided false and misleading information to New Jersey Manufacturers Insurance Company by not disclosing her daughter, Alensha Guerrier, as a driver of her insured vehicle on a policy application dated July 17, 2013.
Civil Penalty: $1,500

Michael Pedone, North Middletown, NJ
Order #14-51044-35, January 20, 2015
Respondent, Michael Pedone, did knowingly provide misleading information to Cure Insurance Company by not disclosing Ann Pedone as a licensed, primary operator of the policy vehicle on his auto application dated November 15, 2013.
Civil Penalty: $1,500

Mike Douze, Orange, NJ
Order #14-52091-35, January 12, 2015
Respondent, Mike Douze, knowingly provided false and misleading information to Cure Insurance Company by not disclosing Amber Paul as a driver of his insured vehicle on a policy application dated March 10, 2014.
Civil Penalty: $1,500

Jesenia Santiago, East Brunswick, NJ
Order #14-52205-35, January 21, 2015
Respondent, Jesenia Santiago, did knowingly provide material false information on an application for auto insurance with IFA Insurance Company dated March 21, 2013, by failing to disclose her boyfriend, Daniel Bonilla, as a household member and driver of the insured vehicle.
Civil Penalty: $1,500

Sandra Hionas, Camden, NJ
Order #14-50247-35, January 21, 2015
Respondent, Sandra Hionas, failed to disclose the true garaging locations of the 1995 Jeep, the 2006 Toyota, and the 2006 Kia policy vehicles as well as that her daughter, Samantha Hionas, was the primary driver of the 1995 Jeep and that her son, Petros Hionas, was the primary driver of the 2006 Toyota to NJ Re-Insurance on correspondence dated June 10, 2009 and January 7, 2010, as well as on renewal questionnaires dated January 13, 2010, February 8, 2011 and January 20, 2012.
Civil Penalty: $1,500.00

Kristin Ferraro
, Eatontown, NJ
Order #14-50518-35, January 12, 2015
Respondent, Kristin Ferraro, did knowingly provide materially false written statements to CURE Auto Insurance Company on her renewal dated April 22, 2013, by failing to disclose an additional licensed household member, Nicholas J. Iacono.
Civil Penalty: $1,500

Tiffany Sardella, Forked River, NJ
Order #14-50623-04, January 8, 2015
Respondent, Tiffany Sardella, did knowingly provide a material misrepresentation to Progressive Garden State Insurance Company on February 26, 2014 at 9:44 a.m. by not disclosing a prior accident on February 26, 2014 at 7:47 a.m. on her application for an automobile insurance policy. The respondent then submitted a claim for the crash on February 26, 2014 at 12:28 p.m. in an attempt to receive a benefit she was not entitled.
Civil Penalty: $1,500

Cassandra Chavez, Landisville, NJ
Order #14-51589-35, January 12, 2015
Respondent, Cassandra Chavez, did knowingly present false material information on an auto insurance application dated January 25, 2014 with Plymouth Rock Assurance specifically, by failing to disclose her boyfriend, Brendon Shaw, as a household member and driver.
Civil Penalty: $1,500

Shawn Mitchell, Paterson, NJ
Order #13-52806-35, January 29, 2015
Respondent, Shawn Mitchell, knowingly submitted false and misleading information to CURE Insurance Company on an automobile policy dated April 12, 2012, by failing to disclose her daughter, Brittany Mitchell, as a licensed driver or operator and her son, Troy Mitchell Jr., as a resident in her household.
Civil Penalty: $1,500

Brenda Galarza, Newark, NJ
Order #13-53590-35, January 29, 2015
Respondent, Brenda Galarza, knowingly supplied false and misleading statements on an application with CURE Insurance Company dated January 20, 2012, and a policy renewal questionnaire dated December 12, 2012, specifically, by failing to disclose that Samuel Casseus, Jr., was a resident of the policy address.
Civil Penalty: $1,500

Ariel Guzman, Paramus, NJ
Order #14-52925-35, January 29, 2015
Respondent, Ariel Guzman, on March 10, 2014, knowingly provided a false and misleading statement on an auto insurance application with National Liability and Fire Insurance Company, specifically, stating he resided at 40 Brock Court, Paramus, New Jersey, when in fact he was residing at 390 Madison Avenue, Paterson, New Jersey.
Civil Penalty: $1,500

Kiana Entzminger, Perth Amboy, NJ
Order #13-54312-35, January 29, 2015
Respondent, Kiana Entzminger, submitted false and misleading information on her CURE Insurance Company auto application dated April 13, 2013, by failing to disclose that Paul Wood was the primary operator of the insured Infiniti and that it would not be garaged at the policy address.
Civil Penalty: $1,500

David Genao, Hoboken, NJ
Order #13-53384-35, January 29, 2015
Respondent, David Genao, knowingly misrepresented to IFA Insurance Company, by certifying on January 8, 2013 at 2:15 p.m., that there have been no losses, accidents or circumstances that might give rise to a claim under his insurance policy, from 12:01 a.m. on December 26, 2012 to 2:06 p.m. on January 8, 2013, when in fact, he was involved in an auto accident at 1:12 p.m. on January 8, 2013.
Civil Penalty: $2,500

Dorothy H. Dolan, Maple Shade, NJ
Order #12-53184-45, January 29, 2015
Respondent, Dorothy H. Dolan, knowingly conspired with Carl Catino by preparing invoices and signing receipts for caregiver services between February 22, 2012 and August 21, 2012 that were not rendered, which Carl Catino then submitted to Genworth Financial and received reimbursement under a long term care insurance policy.
Civil Penalty: $2,500

Panagis Antipas, Cherry Hill, NJ
Order #12-53780-27, January 29, 2015
Respondent, Panagis Antipas, knowingly presented a material false statement to Allstate Insurance Company on February 15, 2012, relative to a claim, by reporting a pipe burst in the bathroom, when in fact, the water leak was chronic and over an extended period of time.
Civil Penalty: $3,500

 
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